Abstract: A consumer may apply for a new transaction account, or request a new transaction instrument for an existing transaction account. However, a Card Security Code (“CSC”) may not be available at the time that the transaction account is created. The transaction account issuer may provide a feature, such as a digital button, which the consumer may select in order to add the transaction account to a digital wallet. The system may add the transaction account to the digital wallet, such that the consumer may be able to immediately use the transaction account for purchases using the digital wallet.

Abstract: A transaction account issuer may obtain receive an application for a transaction account which includes a department of defense identification code. The transaction account issuer may verify the DOD ID number with the DOD. The transaction account issuer may embed the DOD ID number in a transaction instrument which is issued to the consumer. The consumer may use the transaction instrument at a DOD point of sale located at a DOD facility. The DOD point of sale may verify with the DOD that the DOD ID number in the transaction instrument is valid. The DOD may notify the transaction account issuer that the DOD ID number is valid. The transaction account issuer may approve transactions which may have otherwise been denied.

Abstract: The method for test data management may comprise receiving a test data characteristic; retrieving a master copy data from a master copy database; generating a secondary copy data, wherein the secondary copy data comprises a subset of the master copy data corresponding to the test data characteristic; generating a test copy data, wherein the test copy data is a copy of the secondary copy data; and transmitting the test copy data to a test environment. In this manner, the efficiency and resiliency of the system may be enhanced, and the test copy data may be improved so that the network may function according to approved parameters.

Abstract: A system for accessing a system with a touch sensitive interface is provided. The system may be configured for determining a first location and first touch pressure of the first input, determining a second location and a second touch pressure of the second input, and a first time between the first input and the second input. The system may also comprise determining a third location and a third touch pressure of the third input, and a second time between the second input and the third input. The system may further comprise determining a total time for the inputs and comparing the inputs to a unique touch pattern.

Abstract: A computer-based system may register a fitness device with a transaction account by associating a device identifier of the fitness device with the transaction account in a database. The system may detect a health-related activity such as, for example, measurements from the fitness device, social media posts, or user recommendations. The system may thus issue rewards, such as rewards points, in response to detecting the health-related activity.

Abstract: A system for operating a payment network with a blockchain-based ledger may prepare a request to complete a transaction from an account associated with a payer digital wallet for entry on the blockchain. The request may include an amount and payee address associated with a payee digital wallet. The system may also send the request to the blockchain using a blockchain interface. The system may approve or decline the request. The system may further adjust a balance of the payer a balance of the payee to reflect approval of the request. The adjustment may include writing the transaction to the blockchain.

Abstract: A system, method, and computer-readable medium for challenge-response authentication are provided. A plurality of codes is received over a communication network based on input provided by way of a user interface displaying a plurality of images. An alphanumeric string is generated based on the received plurality of codes and based on a table that associates each one of the plurality of codes with a respective one of the plurality of images and with a respective one of a plurality of alphanumeric characters. A determination is made as to whether to grant authorization based on whether the generated alphanumeric string matches an alphanumeric user identifier stored in a memory device in association with a user.

Abstract: The present disclosure identifies and/or delivers tailored content based upon a service dialog. For example, the systems may receive a request for tailored content, facilitate a service dialog to obtain information related to the request, and communicate a plurality of tailored content based upon the information related to the request. Further, the systems may identify tailored content based upon a consumer profile, communicate the tailored content to a web client, and/or receive a selection of the tailored content. Further still, the systems may modify a magazine (e.g., content that is presented electronically) based upon tailored content.

Abstract: A method and computer program product for identifying attributes of customers and potential customers, allowing marketing to be directed at such consumers. Information is received regarding each of a number of consumers. This information can include demographic information, data regarding spending habits, and information as to how such attributes may have changed over time. Once attributes have been determined, and any changes over time to such attributes have been determined, a correlation of the attributes is performed. Such combined attributes are denoted as composite dimensions. Given the composite dimensions, as well as attributes that may not have been correlated with any other attributes, consumers are plotted in the resulting multi-dimensional space. Sets of consumers that appear to be grouped in this multi-dimensional space are then identified. Common attributes of this consumer group are identified. Unique attributes of a given consumer in such a group are also identified.

Abstract: A transaction card includes a card body that may comprise a card body comprising a ceramic material, the card body including a primary surface and a first mating surface. A card backer comprises a metallic material and includes a secondary surface and a second mating surface. A portion of the first mating surface and a portion of the second mating surface are coupled together.

Abstract: The systems and methods herein may include receiving a plurality of transactions for a plurality of consumers, wherein each respective transaction of the plurality of transactions is between a consumer of the plurality of consumers and a merchant of a plurality of merchants; automatically inputting the plurality of transactions into a neural network; automatically analyzing the plurality of transactions over a plurality of iterations, wherein an iteration of the plurality of iterations comprises cycling through a consumer transaction history associated with the consumer, wherein the consumer transaction history has a consumer transaction sequence associated with the consumer; and automatically updating over the plurality of iterations, a previous fraud detection variable associated with the consumer and/or the merchant to generate updated fraud detection variables, in response to the analyzing the plurality of transactions.

Abstract: A software testing system may identify various test suites that include test conditions, test data, test environments, and/or a user access controls. The test suites may be used to generate a test bed map including dependencies of the various test suites. The system may assign test parameters to the various test suites including threshold values, severity values, and/or frequency values. The system may also generate a superscript based on the test bed map with the superscript configured to execute a first test suite before a second test suite in response to the dependency of the second test suite on the first test suite. The superscript may also include a reference to the test conditions, the test data, the test environments, and/or the user access controls. The system may monitor execution of the superscript to detect events that signals errors and/or parameter changes.

Abstract: The disclosed system may comprise a mainframe computing resource, a data library, a data processing appliance, and a distributed system. The data library may be securely connected to the mainframe computing resource. The data library may be configured to receive data from the mainframe computing resource via a first interface. The data processing appliance may be configured to read and write data to the data library via a second user interface. The distributed system may be configured to receive data from the data processing appliance. The distributed system may be further configured to process the data based on a workflow from the mainframe computing system.

Abstract: The present disclosure improves upon existing systems and methods by providing a tool for managing processing resources. For instance, the presently described tool may be used to time replacement, plan for uplifts, budget for uplifts/decommissioning of hardware, and/or maintain a plurality of servers. This tool may lead to increased satisfaction, uptime, and a reduction of unexpected costs. The system may include initiating collection of variables to compile a prioritized list of servers, executing, a calculation application for determining a prioritized list of servers' end of life targets based on both technical and business parameters based on the entered variables, and prioritizing uplifts of the servers based on the technical and the business parameters.

Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.

Abstract: The disclosed system may comprise a mainframe computing resource, a data library, a data processing appliance, and a distributed system. The data library may be securely connected to the mainframe computing resource. The data library may be configured to receive data from the mainframe computing resource via a first interface. The data processing appliance may be configured to read and write data to the data library via a second user interface. The distributed system may be configured to receive data from the data processing appliance. The distributed system may be further configured to process the data based on a workflow from the mainframe computing system.

Abstract: Systems, methods, and articles of manufacture for expense management are disclosed. A user may submit receipts for one or more transactions into an expense management system. The expense management system may extract information from the receipts and match the extracted information to one or more of a plurality of Records of Charge (ROCs). The expense management system may match the extracted information to a ROC based on vendor name, location, time stamp, and the like. The expense management system may further assign a ROC to an expense category. The expense management system may assign a ROC to an expense category based on a standard industrial classification (SIC) code of a merchant, a category assigned to a different ROC, and a location associated with the ROC. An expense report for all submitted receipts may be generated.